Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
BSRR 
Sierra Bancorp (BSRR)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/11/2025: BSRR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $32.62
1 Year Target Price $32.62
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.79% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 415.86M USD | Price to earnings Ratio 10.55 | 1Y Target Price 32.62 |
Price to earnings Ratio 10.55 | 1Y Target Price 32.62 | ||
Volume (30-day avg) 5 | Beta 0.81 | 52 Weeks Range 22.02 - 34.22 | Updated Date 09/11/2025 |
52 Weeks Range 22.02 - 34.22 | Updated Date 09/11/2025 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 2.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28% | Operating Margin (TTM) 37.47% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 11.53% |
Valuation
Trailing PE 10.55 | Forward PE 11.44 | Enterprise Value 668481600 | Price to Sales(TTM) 2.86 |
Enterprise Value 668481600 | Price to Sales(TTM) 2.86 | ||
Enterprise Value to Revenue 4.86 | Enterprise Value to EBITDA - | Shares Outstanding 13590300 | Shares Floating 11976204 |
Shares Outstanding 13590300 | Shares Floating 11976204 | ||
Percent Insiders 10.33 | Percent Institutions 58.62 |
Upturn AI SWOT
Sierra Bancorp
Company Overview
History and Background
Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California. It operates as the holding company for Bank of the Sierra. The bank provides a range of banking services to individuals and businesses in California's Central Valley.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and treasury management services to businesses, including commercial real estate loans, equipment financing, and lines of credit.
- Retail Banking: Provides deposit accounts, mortgages, consumer loans, and other retail banking services to individuals and families.
- Wealth Management: Offers trust and investment management services to individuals, families, and businesses.
Leadership and Structure
Kevin McPhaill is the President and CEO. The organizational structure includes various departments overseeing lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial properties. Market share data is not readily available. Competitors include large national banks, regional banks and credit unions.
- Agricultural Loans: Loans for farmers and agricultural businesses. Market share data is not readily available. Competitors include Farm Credit Services, Rabobank, and other agricultural lenders.
- Residential Mortgages: Mortgages for residential properties. Market share data is not readily available. Competitors include national mortgage lenders, credit unions, and other banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and growing competition from fintech companies. Consolidation is also a significant trend.
Positioning
Sierra Bancorp focuses on serving the Central Valley of California. Its competitive advantage lies in its local knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Central California is estimated to be in the billions of dollars. Sierra Bancorp holds a regional market share within this TAM.
Upturn SWOT Analysis
Strengths
- Strong presence in Central Valley California
- Experienced management team
- Solid credit quality
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on net interest income
- Smaller scale compared to national banks
- Sensitivity to interest rate changes
Opportunities
- Expansion into new markets within California
- Increased digital banking adoption
- Growing demand for wealth management services
- Acquisitions of smaller community banks
Threats
- Increasing competition from larger banks and fintech companies
- Economic downturn in California's Central Valley
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- WFC
- BAC
- CMA
Competitive Landscape
Sierra Bancorp faces competition from larger national banks, regional banks, and credit unions. Its advantages include local market knowledge and personalized customer service. Disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Citizens Business Bank
- Year: 2007
- Acquisition Price (USD millions): 162
- Strategic Rationale: Expanded its market presence in California's Central Valley.
Growth Trajectory and Initiatives
Historical Growth: Sierra Bancorp's growth has been steady, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates for Sierra Bancorp's future growth depend on various factors. Consensus growth rate should be sourced from financial analysis platform.
Recent Initiatives: Recent initiatives include expanding digital banking offerings and pursuing strategic acquisitions.
Summary
Sierra Bancorp demonstrates regional strength within California's Central Valley, underpinned by solid credit quality and customer loyalty. However, its smaller scale and geographic concentration pose limitations. It needs to diversify its income streams and carefully manage interest rate sensitivity. Strategic acquisitions and digital banking advancements present opportunities for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q), Company Website, Investor Relations Materials, Yahoo Finance, Google Finance
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sierra Bancorp
Exchange NASDAQ | Headquaters Porterville, CA, United States | ||
IPO Launch date 1994-11-02 | President, CEO & Director Mr. Kevin J. McPhaill | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 494 | Website https://sierrabancorp.q4ir.com |
Full time employees 494 | Website https://sierrabancorp.q4ir.com | ||
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; mobile check deposits; online lending solutions; online and automated telephone banking services; and remote deposit capture and payroll services for business customers. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.